BMW X3 Car Insurance

As one of the most popular car brands in the UAE as well as the Middle East, BMW has launched various models and variants to cater to the requirements of its large customer base in the region. One such renowned car model in the series is the BMW X3, with this SUV quickly gaining the attention of BMW admirers in the UAE. more

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To insure your car against damages and comply with the laws, you would need to obtain BMW X3 car insurance in the UAE from the available list of options. To help you in that regard, this article will provide key information about BMW X3 car insurance as well as the features and benefits of the car itself.

This sporty midsize BMW X3 is a small SUV premium five-seater car available in two versions -  XDrive30i (minimum price of AED 295,000) and m40i xDrive (minimum price of AED 340,000). This car remarkably works on 8-speed automatic transmission and all-wheel drivetrain, with its features making it highly comfortable along with the potential for a powerful driving experience.

  • Comprehensive
  • Third Party
*Above mentioned prices are for BMW X3 xDrive30i 2.0L, 2023 model.
*Above mentioned prices are for BMW X3 xDrive30i 2.0L, 2023 model.

Features of BMW X3 Car

Before starting our journey of exploring BMW X3 insurance plans, let’s have a look at some of the general features of the BMW X3.

Country of Origin Germany
Class Premium compact SUV
Driving System Semi-autonomous
Body Style Five-door wagon
Engine BMW twin power turbo engine
Colours Available in the UAE
  • Alpine white
  • Glacier Silver
  • Phytonic Blue
Transmission Type Petrol (Automatic)
Seating Capacity Five passengers
  • BMW X3 xDrive 30i - 245 hp
  • BMW X3 m40i xDrive- 360 hp
Fuel Tank Capacity (litres) 65 l
Height 1676 mm
Wheel Base 2864 mm
Cargo volume 550 l
Wheels 20" M Lt/Aly wheels Double-spoke style 699 M Jet Black with MT and run-flat tyres
Upholstery Sensatec perforated | Cognac (BK)
Trim Aluminium Rhombic dark with highlight Pearl Chrome trim finisher

Specifications of BMW X3 Car

Lets have a quick glance at the general specifications of BMW X3 in the UAE:


  • Unique air vent control
  • Central locking
  • Twin power turbo 2.0 litre 4-cylinder engine
  • Anti-theft device
  • Anti-theft alarm
  • Engine immobilizer
  • Power door locks

Comfort and Convenience

  • Centre console armrest
  • Electric folding rear-view mirror
  • Air conditioner
  • Remote trunk opener
  • Front cup holders
  • Vanity mirror
  • Power windows
  • Adjustable seats
  • On-board computer
  • Power steering
  • Multi-function steering wheel
  • Rear A/C vent
  • Engine start/stop button
  • Height adjustable driver seat
  • Automatic climatic control
  • Keyless entry to the car
  • Heater
  • Power windows front

Safety Features

  • Anti-Lock brake system
  • Electronic Brakeforce Distribution
  • Driver airbag
  • Seat belt warning
  • Lane departure warning
  • Dynamic stability control
  • Parking sensors - back and front
  • Traction control
  • Pedestrian airbag
  • Crash sensor
  • Engine check warning
  • Door ajar warning
  • Side impact beams
  • Passenger airbag
  • Child safety locks
  • Brake assist
  • Collision detection
  • Tyre pressure monitor

Exterior Features

  • Remote fuel lid opener
  • Alloy wheels
  • Rear window wiper
  • Outside Rear View Mirror Turn Indicator
  • Roof rail
  • Rear spoiler
  • Integrated antenna
  • Rear window defogger
  • Power adjustable rear view mirror
  • Adjustable headlight
  • Rear window washer
  • Fully LED headlights in a novel three-dimensional form
  • Bumper with vertical air inlets

Interior Features

  • New controls for air conditioning system
  • 10.25" central information display, can be enlarged to 12."
  • Sport seats in perforated sensate fitted 
  • Centre console having trim strips in high black gloss

Smartphone Connectivity

  • Option to connect smartphone through Apple CarPlay integration
  • USB and Auxiliary input
  • CD player
  • AM/FM radio
  • Display with Bluetooth connectivity
  • Optional head-up display
  • Instrument cluster
  • Integrated 2DIN audio
see more

Buy Car Insurance & Avoid Fine

How to Renew Car Insurance for BMW X3 Car in Dubai, UAE?

With the validity of car insurance being 12 months in the UAE, vehicle owners are required to renew their car insurance policy once every year. However, a grace period of one month is provided to renew car insurance without penalties.

During this grace period, car owners must be able to decide whether to continue with the same insurance provider or buy a new car insurance policy that fits their budget and requirements. Once decided, one can renew their car insurance offline or online

The renewal process for both the modes is described below:

  1. Online Process - If you wish to renew your BMW X3 car insurance policy with the same provider, you can simply visit the official website of your insurance provider and locate the option for renewal. Here, you can provide details like your current insurance policy number and so on. Upon confirmation, the applicant will be directed to the payments page, where they can complete the payment for the renewal fee and conclude the process. However, if you find your current insurance plan inadequate, you can scout the market for a different insurance plan and provider that suits your requirements and budget. This can also be done online, as you can browse the websites of different insurance providers and select a plan that works for you. Once you find a relevant policy, you can get it online from the website without much effort.
  2. Offline Process - In case you wish to complete the renewal process offline, you can have your insurance company provider contact you and provide you with all the car insurance plans for BMW models available in the UAE market. Here, you can contact your insurance company's customer care for renewal assistance. You can then collect the required documents and details to head to the office of your insurance company for further processes.

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Documents Required for Renewal of BMW X3 from Current Provider

Given below is a list of general documents required to renew your BMW X3 insurance from your existing insurance provider:

  1. Current insurance policy number
  2. Vehicle details (car registration card)
  3. Driving licence
  4. Car test certificate
  5. Emirates ID/ passport

Documents Required for Renewal of BMW X3 from Different Provider

If you opt to renew your plan with a different provider, you can keep the following standard documents in mind before initiating the renewal process:

  1. Copy of Passport
  2. Copy of UAE Visa
  3. Valid driving licence
  4. Copy of car registration card (mulkiya)
  5. No claim certificate, if available

How to Claim Insurance for BMW X3 Car?

Follow the steps given below to file a claim for BMW X3 insurance:

1. Alert the Police

The first thing to do immediately after an accident is to report the incident to the police. Once the report is filed for the same, you must obtain its copy as the insurance provider will only approve the claim if the police have generated the report.

2. Notify the Insurer

After contacting the police, you should connect with your insurance company and tell them about the accident. Keep in mind that your provider may require you to provide the following details to proceed -

  • Policy Number
  • Evidence (photos or videos of the incident), if applicable
  • Report generated by the police
  • Car registration card (Mulkiya)
  • Filled claim form

3. Get Your Car Shifted to a Network Garage

After the previous steps are performed, you can have your car moved to a network garage. You can also request towing services here in case your vehicle is in an unmovable condition.

4. Submit the Documents

You can obtain a claim form from the website of your insurance provider. Fill it up and submit it along with the specified documents.

Once all these steps are done, you can wait while the insurance company goes through your claim and checks the condition of your vehicle. If all the terms and conditions are fulfilled, your claim will be approved.

How to File Your Car Insurance Claim in the UAE

How to Buy BMW X3 Car Insurance?

You can easily secure your BMW X3 car by buying a car insurance plan from Policybazaar UAE. Instead of checking various websites or visiting providers’ offices multiple times, you can simply visit our site and check the best car insurance plans (at the most reasonable prices) in one place. Moreover, if you face any difficulties during application, you can connect with customer care and insurance experts to seek the required assistance at any time.

Visit and get straight to the ‘car insurance’ section. Locate the lead form present on the page, and fill it up with details concerning your car, nationality, salary, and more. You can then submit it – all the relevant plans for your car will appear on your screen! You can then explore and compare the plans before selecting any one of them.


Q1. What are the top variants of the BMW X3?

Ans: There are mainly two variants of BMW X3 available in the UAE. These variants are -

  1. BMW X3 XDrive30i
  2. BMW X3 m40i XDrive
Q2. Is BMW X3 a luxury car?

Ans: BMW X3 has numerous easy-to-use tech features as well as other features for a comfortable driving experience, luxurious interior design, and excellent performance, making it a luxury compact SUV in the UAE. 

Q3. How long will BMW X3 last?

Ans: BMW X3 can last 200,000 miles with proper servicing and maintenance on average. However, the time for which your BMW X3 will function properly will depend on your driving, the maintenance of the car, and several other factors.

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